Bellars Harris Wealth Management Group

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Merrill lynch

Bellars Harris Wealth Management Group

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Merrill Lynch
Wealth Management






Our team is comprised of talented and experienced advisors committed to building strong client relationships based on trust and personalized service.




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Welcome

Our mission is to understand you and your priorities. To take the time, to ask hard, smart questions and to listen carefully, then to understand, in great detail, exactly where your wealth stands today, and where you'd like it to be tomorrow. We help you design, implement and periodically monitor a customized wealth management strategy that helps you and your family pursue your personal financial goals while managing investment risk. Our wealth management approach is about using wealth to help turn goals into reality.

Philosophy

We believe the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? With access to the investment insights of Merrill and the banking convenience of Bank of America, we will work with you to develop strategies designed to help address your financial needs.

Approach

We begin every relationship with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing financial strategies to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help me get to know you better as an investor and help you refine your investing preferences. By gaining a deeper understanding of how you think and feel about investing, through this assessment we can customize financial strategies together. Using an understanding of your priorities and investment personality as a foundation, we help you access the full breadth of resources from Bank of America’s banking products and services and Merrill’s investment insights to address all aspects of your financial life.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you pursue what matters most to you. Our Investment Personality Assessment is one of the ways to help us get to know you - to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.

Capabilities

Our process is designed to help deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond investment management. Our ability to provide access to the investment insights of Merrill, as well as banking, trust and fiduciary services from Bank of America offers a way to help clients manage all of the pieces of their financial lives. We view ourselves as a financial resource, helping clients with strategies for transferring wealth to the younger generation.

Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill and access to the banking convenience of Bank of America as we do so.

Wealth management designed to fit your unique outlook

The answer comes down to one word: "fit." If you look at our longest relationships, you'll find client families who see us as a good fit for their lives and aspirations. These are clients who have allowed us to understand their financial thinking and decision making, and offer them finely tailored strategies and services.

Understanding your goals

Wherever you are in your life or career, our team can help you crystallize your thinking about the lifestyle and opportunities you want to pursue. We can also map out the life events you expect to encounter and help you understand how they might affect your financial outlook.

Bringing your financial life into focus

For most clients, we seek to help them develop an overall financial structure that encompasses every key aspect of their financial lives. Our goal is to show you ways to manage your income and expenses more efficiently, help you save on the cost of borrowing, and offer recommendations on aligning your investments with your risk profile, liquidity needs and time horizons.

Investment strategies designed especially for affluent investors

The answer to that question is as unique as the people who ask it. We customize our investment strategies to focus on the key goals you share with us. We focus on risk tolerance, time horizon, liquidity needs and suitability. With each client, we ask ourselves: "Is this investment strategy consistent with the family's tolerance for risk and with their goals?" While every investor's needs are different, our recommendations tend to fall into three broad categories:

Short-term, highly liquid assets — We can offer strategies to keep your ready capital invested, yet have it available to pay for your monthly expenses and everyday purchases. We also help you set up a reserve of emergency funds to help you respond quickly to life's contingencies.

Intermediate, targeted assets — Depending on your goals and our agreed-upon strategy, we may recommend one or more coordinated longer-term portfolios targeting specific objectives or milestones. Clients often ask us to suggest investments for education savings, gifting for graduates or newlyweds, or in preparation to purchase property or a boat or aircraft.

Long-term investments for capital preservation — Helping clients preserve their wealth is a key focus for everyone on our team. We can help you evaluate long-term investment strategies targeting retirement or as part of your plans for wealth transfer. We also offer guidance on monetizing control or restricted stock or other equity compensation, as well as significant stakes in a partnership or other business.

Helping you pursue the retirement you want

Whether you're looking forward to life after your working days have finished, or you are already enjoying those years, our answer revolves around a combination of customized investment and income strategies. We understand that the nature of retirement has evolved, as well as the lifestyles and expectations of clients.

Today, retirees are pursuing second careers or advanced degrees, working on charitable committees and boards, and exploring exotic destinations. Also, while many people look at this time as a distribution phase, some clients are continuing to create and add to their wealth during retirement.

Designing your retirement life

Our team works with you to understand exactly how you want to live in retirement. Where you want to live, what activities you want to pursue, as well as any special needs you may have. Once we have a clear idea of your retirement aspirations, we can develop investment strategies and recommendations to help you move toward those goals.

We travel, too!

Many of the clients we serve are enjoying their retirement in other states. We have the flexibility to serve clients and help them pursue their dreams wherever they decide to travel or live in retirement.

  • It is not enough to have your money managed professionally, it’s also about how you feel during the experience. Our clients routinely comment that they feel taken care of… that we care about them personally. In this fast paced world of computers and technology, we believe at the end of the day it is and always has been about good people working with good people.Tim Bellars

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Your Financial Strategy

We offer you access to the investing insights of Merrill, as well as banking, trust and fiduciary services from Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help you stay on track to achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

We'll meet with you periodically to review your goals and the progress you’ve made toward reaching them. We'll also discuss any adjustments needed to your financial strategy to help you stay on course.

    Monitoring changes in your life and to your goals
    Monitoring changes in your life and to your goals

    Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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    Access to what you need, when you need it

    MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities

    Your advisor is a click away within our site or mobile apps

    You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

    Access to your complete financial life is available with My Financial Picture, Merrill's asset aggregation tool

    • Your advisor is never more than a click away within our site or mobile apps
    • Manage account security with our customizable security capabilities such as touch id, one time passcode, and other security features
    • Access to your complete financial life is available with My Financial Picture, Merrill's asset aggregation tool

    *Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Merrill Lynch Wealth Management Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

    Let’s Have a Conversation

    Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, we can help you create a financial strategy that reflects your personality. Only then can we offer an approach that is built around your life priorities and the ongoing advice you need to help you manage fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

    Why Merrill Lynch?

    As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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    We put you first, every day.
    Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

    Personalized advice from a dedicated financial advisor.

    Getting to know you is our primary goal.

    A comprehensive approach, built around your life’s priorities.

    Drawing from our experience and the best thinking of Merrill, we will build a strategy that reflects your unique needs, priorities and financial situation.

    Adjusting your plan as your life and the markets change.

    We will work to help you stay on track, regardless of what the markets are doing.